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What is a total lie is this report.
1. OD fees are charged per item. The daily fee doesn't take effect until the account is in overdraft 4 days. This info is in the packet that customers sign when the account is set up. Whether the person reads it or not is another story, though. The amount of the OD is irrelevant. She overdrew. You admitted that. Submit to the fee.
2. There is no reason...

My mother got an accout at US Bank, and a guy helped her set up her account (the desk in the far back), he told her that their overdraft fees would NEVER go over $35 TOTAL, and that they waited so many days before charging a fee, and that amounts could be transferred within 24 hours to cover the overdraft amount without incuring a fee.
She overdrafted her account by $0.42. They started...